The life insurance policies that we sell include a basic plan and offer optional riders, which are valuable additions to the basic plan.
Below is a list of our most popular policy packages, basic plans and riders. Please click on the respective policies, plans or riders for a brief description of each product. The write-up provided in these web pages describes only the major benefits of each plan. Please contact us for
any queries on our products.
POPULAR POLICY PACKAGES
BASIC PLANS
RIDERS
Signature Elite Gold Wizard
Signature Elite Gold Wizard is a unique savings cum investment plan designed for customers who wish to enjoy potentially high investment returns. At the same time, it provides a safety net through the guarantee of part or all of the principal invested.
This product is very attractive in the current low interest rate environment and in this time of uncertainty.
Signature Elite Gold Wizard gives the customer a choice to determine, depending on his own level of comfort and risk appetite, how much the guaranteed fund would be, and when he would like to receive the guaranteed fund.
Please contact us for further information.
Go to top
Signature Whole Life
- Whole Life Plan that participates
in the Company's profits through a compound reversionary
bonus.
- Provides a life-time
protection to the individual.
- Builds a large cash value in
the long term especially when bought at a very
young age.
- Its investment yield can be
further enhanced by adding one or more compound
reversionary bonus rider.
- On total and permanent
disability or on death, the Face Amount, the
declared reversionary bonuses and the claims
bonus (if any) would be payable.
Please contact us for further information.
Go to top
Signature Financial Plan
- Whole Life Plan that
participates in the Company's profits through cash
dividends.
- Provides savings with a
protection element.
- On total and permanent
disability or on death, the Face Amount, the
accumulated cash dividends, with interest, and
the claims dividends (if any) would be payable.
Please contact us for further information.
Go to top
Signature MaxiLife
- Whole Life plan that provides
protection against death, total and permanent
disability, and dread diseases at very affordable
premium rates.
- Protection against the
following major dread diseases:
Heart
Attack
Stroke
Life-threatening cancer
Blindness
Deafness
Lost of speech
Alzheimer's disease |
Major
head trauma
Major burns
Paralysis
Coma
Terminal illness
And others |
Please contact us for further information.
Go to top
Signature Smart Cash
- Whole Life Plan with a Guaranteed
Cash Payment
payable annually after the 12th year.
- Also participates in the
Company's profits through Cash
Dividends.
- Provides savings with a
protection element.
- On occurance of one of the
specified dread diseases or on death, the Face
Amount, the accumulated cash dividends, with
interest, and the claims dividends (if any) would
be payable. The covered dread diseases includes:
Heart
Attack
Stroke
Life-threatening cancer
Blindness
Deafness
Lost of speech
Alzheimer's disease |
Major
head trauma
Major burns
Paralysis
Coma
Terminal illness
And others |
Please contact us for further information.
Go to top
Signature Cash Master
John Hancock's Signature Cash Master is a whole life plan which requires premium payment for only 20 years. This plan grows in value over your lifetime while providing valuable insurance protection. Signature Cash Master is ideal for those who wish to enjoy a stream of income through cash dividends without the hassle of paying whole life premiums. You are also assured that your family's financial security will be taken care of in the event of untimely death or Total and Permanent Disability.
The features and benefits of this plan are:
- Participates in the profits of the Company through Cash Dividends.
- Guaranteed Cash Payment, payable from the end of policy year 15 until the end of policy year 19.
- Death and Total & Permanent Disability coverage.
Please contact us for further information.
Go to top
Mega Term
- Enhanced version of one of our
most popular products.
- Good savings tool which
provides a cash lump sum at the end of the term
of the policy.
- Very flexible in allowing
customer to tailor the proportion of savings and
protection according to his/her unique needs.
- Consists of a convertible term
basic plan and a compound
reversionary bonus rider.
- The compound reversionary
bonus rider participates in the company's surplus.
Please contact us for further information.
Go to top
Signature Major MediGold Plus
Signature Major MediGold Plus is a comprehensive medical insurance that is designed to cover hospitalisation and surgical costs. This plan can cover an individual life as well as the spouse and children (family).
Among the features and benefits offered by this plan are:
- Comprehensive Medical and Surgical Fees reimbursement with lifetime limits of up to RM200,000 per individual.
- Coverage for 3 critical illnesses (Major Organ Transplant, Renal Failure and Life Threatening Cancer) and TPD.
- Income tax relief of up to RM3,000.
- Government Hospital Cash Benefit.
- Free Annual Comprehensive Health Screening from 2nd policy year onwards. This service is subject to review by the Company from time to time.
- Pre-Certification Hospitalisation Programme
- Minimal hassle hospitalisation in most major government and selected private hospitals in Malaysia.
- Covered Member may not be required to pay up-front admission deposits and upon discharge, all eligible hospital claims, less the co-insurance amount will be settled by John Hancock.
- This programme is subject to the Terms and Conditions stipulated in the agreement between John Hancock and International SOS.
Please contact us for further information.
Go to top
Signature Major Medicare Plus
Signature Major Medicare Plus is a comprehensive medical package, which provides 24 hour protection against major medical expenses. This plan also provides you with the Pre-Certification Hospitalisation Programme and WORLDWIDE Emergency Assistance Services, both provided by International SOS (Malaysia) Sdn Bhd.
Among the features and benefits offered by this plan are:
- Comprehensive Medical and Surgical Fees reimbursement with lifetime limits of up to RM200,000 per individual.
- Coverage for 3 critical illnesses (Major Organ Transplant, Renal Failure and Life Threatening Cancer) and TPD.
- Income tax relief of up to RM3,000.
- Option to include your spouse and unlimited number of children.
- Pre-Certification Hospitalisation Programme
- Minimal hassle hospitalisation in all major government and private hospitals within Malaysia.
- The Covered Members may not be required to pay up-front admission deposits and upon discharge, all eligible hospital claims, less the co-insurance amount will be settled by John Hancock.
- This programme is subject to the Terms and Conditions stipulated in the agreement between John Hancock and International SOS.
Please contact us for further information.
Go to top
Signature Long Term Care
Signature Long Term Care
is a non-participating whole life long term care insurance which pays a monthly income benefit in the event the Insured is deemed unable to perform 3 or more of the defined "Activities of Daily Living" (ADLs) either as a result of illness, injury, advanced life or Advanced Dementia (a reduction of mental capacity).
This plan is specially designed to help pay for long term care when there is a need for special care at adult day care centres, nursing home facilities and even at home. Among the benefits offered by this plan are:
- Long Term Care (LTC) Benefit
- Monthly income benefit which ranges from RM500 to RM3,000
- Lifetime Critical Illness (CI) coverage for 36 critical illnesses
- Death Benefit of 50 times the monthly income benefit amount selected
- Total & Permanent Disability (TPD) Benefit
In addition, this plan gives you two value-added benefits to help offset your long term care costs:
- Extended Care Benefit
- An extra amount equal to the monthly income benefit will be payable to the policyowner at every 24th payment of the monthly income benefit, provided the benefit have been paid for the last 24 consecutive months.
- Assistive Device Benefit
- During an LTC claim, the Company will reimburse an amount, up to a lifetime maximum of two (2) times the monthly income benefit for assistive devices prescribed by the panel medical practitioner.
Please contact us for further information.
Go to top
Signature University Savings Plus
Signature University
Savings Plus is designed to assist parents in saving for
their children’s university education. The Insured
for this plan is the payor (or policyowner). This plan
has the following features:
- Flexibility to choose
the term of the policy to match your child’s
age of university education.
- Provides an amount
needed for your child’s education to you
when the policy matures.
- Qualify for up to RM 3,000
deductible
on your taxable income from year of assessment
2000 onwards.
- In the unfortunate
event of the Insured’s death, an amount up
to the full sum assured plus bonuses is payable.
- In the unfortunate
event of the Insured’s total and permanent
disability, an amount up to the full sum assured
plus bonuses is payable according to a disability
schedule.
- Owning this policy
also entitles you to Signature University
Savings Plus Services.
Signature University
Savings Plus gives you the opportunity to fulfill your
child's aspirations of pursing a university education.
Make the decision now. It is never too early to plan for
your child's future. Please contact us to act on this
wonderful opportunity
Signature University Savings Plus Services
This is an innovative
programme that can help you reach your long-term savings
goals for your children. The programme will help you
develop a plan that includes:
- High-quality savings
products to help you build a university fund.
- Accurate and valuable
information on alternative financial aid.
- Insurance to provide
university funds should something happen to you.
Once your plan is in place,
Signature University Savings Plus can:
- Keep you on a
disciplined savings track.
- Outline your progress
in an annual statement.
- Fine-tune your
strategy as your child approaches university age.
- Provide resources for
your university, scholarship and financial aid
search.
Besides savings, Signature
University Savings Plus includes these valuable services:
- USP Membership Kit.
- University Advisor
database that will recommend up to 10 most
suitable universities for your child based on his
profile, aptitude and preference.
- Annual Newsletter
which informs you of the latest education trends
and policies, plus information on loans,
scholarships and bursaries.
The sooner you begin to
save, the faster your money will grow. Let Signature
University Savings Plus help you begin your savings plan
today. Please contact us for more information.
Go to top
Signature SureGold
Signature SureGold is a regular premium non-participating endowment
plan that is designed to provide a guaranteed maturity value at the end of the term.
In addition, Signature SureGold also provides valuable insurance
protection against Death and Total and Permanent Disability.
Please contact us for further information.
Go to top
Signature Endowment Special
Introducing the new Signature Endowment Special,
a 25-year savings plan that provides a steady stream of guaranteed income every 5 years
through cash payment. This plan is designed to meet the changing needs in a person's life.
Among the features and benefits of the plan are:
- Guaranteed cash payment at every 5-year interval,
starting from the end of the fifth(5th) policy
year.
- Flexibility to take the cash payment or keep
it with the company to accumulate with attractive
interest.
- A maturity benefit of 100% of the Face Amount of the
plan.
- Insurance Coverage for:
- Natural and Accidental Death; and
- Total and Permanent Disability
Please contact us for more information.
Go to top
Non-Participating Competitive Whole Life
- Provides life-time insurance
protection at the lowest premium.
- Premiums payable throughout
the lifetime of the insured.
- Free disability coverage (subject
to the Company's approval) for standard life.
- Beneficiary receives the face amount upon death of the insured.
Please contact us for further information.
Go to top
Non-Participating Whole Life Special
- Provides life-time insurance
protection.
- Guaranteed cash payment every
three years as long as the insured is alive.
- Free disability coverage (subject
to the Company's approval) for standard life.
- Premiums payable throughout
the lifetime of the insured.
- Beneficiary receives the face
amount upon death of the insured.
Please contact us for further information.
Go to top
5 year Convertible and Renewable Term Plan with or without disability
- Provides life insurance
protection for a stipulated number of years at
the lowest outlay.
- Convertible, during the term
of the policy and before age 65, to any permanent
plan without further evidence of insurability.
- Renewable at the expiry of
every 5 years.
- Optional disability coverage.
Please contact us for further information.
Go to top
Convertible Term Plan for 10-30 years, @age 55, @age 60, @age 65 and
@age 70 with or without disability
- Provides life insurance
protection for a stipulated number of years at
the lowest outlay.
- Convertible, during the term
of the policy and before age 65, to any permanent
plan without further evidence of insurability.
- Provides coverage for terms
varying from 10 to 30 years or until age 55 or 60
or 65 or 70.
- Optional disability coverage.
Please contact us for further information.
Go to top
Single Premium Mortgage Reducing Term Insurance
- Provides insurance protection
in accordance with the schedule of the mortgage
loan.
- Death and Total and Permanent
Disability coverage.
- Terms of coverage available
are 5 to 35 years.
- Construction years option 0, 1, 2 or 3.
Please contact us for further information.
Go to top
Accident Indemnity Rider
- Provides for payment of the
face amount in the event of accidental death
before the anniversary of the policy date
following the Insured's 59th birthday, provided
such death occurs within 120 days of the accident.
- Benefits include :
- Payment of 100% of
face amount for death or loss of two or
more limbs.
- Payment of up to 75%
for various other dismemberment injuries.
- Regular payments every
week, up to a maximum of 10 weeks per
accident, for hospitalisation in a
licensed hospital.
- Payments for specified
types of surgical operations performed by
a physician.
- Double payments if the
insured sustains the loss while traveling
in a bus, public lift or elevator, a
regularly scheduled flight of an
international commercial airline.
- Regular payments every
week up to a maximum of 27 weeks for
temporary, total and continuous
disability.
- Regular payments every
week up to a maximum of 27 weeks for
temporary, partial and continuous
disability.
- Regular payments every
month up to a maximum of 100 months for
permanent, total and continuous
disability.
Please contact us for further information.
Go to top
Accidental Death & Dismemberment Rider (Enhanced Series)
- Provides for payment of the
face amount in the event of accidental death
before the anniversary of the policy date
following the Insured's 59th birthday, provided
such death occurs within 120 days of the accident.
- Double payments if the insured
sustains the loss while traveling in a bus,
public lift or elevator, a regularly scheduled
flight of an international commercial airline.
- Benefits include :
- Payment of 100% of
face amount for death or loss of two or
more limbs.
- Payment of up to 75%
for various other dismemberment injuries.
Please contact us for further information.
Go to top
Accidental Death Benefit Rider (Enhanced Series)
This rider
- Provides for payment of the
face amount in the event of accidental death
before the anniversary of the policy date
following the Insured's 59th birthday, provided
such death occurs within 120 days of the accident.
Please contact us for further information.
Go to top
Hospitalisation Benefit Rider
This rider
- Provides, in the event the
insured is hospitalised in a licensed hospital,
and regardless of the actual hospital expenses
incurred, a daily benefit equal to the elected
fixed amount payable up to a maximum of 365 days.
- The insured can choose the
amount of daily benefit required.
- Coverage continues until the
insured reaches age 60.
- Issue age from age 11 to 55.
- Qualify for up to RM 3,000
deductible on your
taxable income from year of assessment 1996
onward.
Please contact us for further information.
Go to top
Signature Medicare Plus Rider
- Reimbursement of eligible medical
claims, less the co-insurance amount.
- Five benefit levels are
available.
- Benefits available on
occurence of hospitalisation are :
- Daily hospital room
and board incurred during confinement up
to a maximum of 60 days
- Hospital intensive
care benefit
- Surgical benefit
- Anaesthetist's benefit
- Hospital miscellaneous
services
- Operation theatre
benefit
- Attending physician
benefit
- Pre-hospitalisation
benefit
- Emergency accidental
injury benefit
- Post hospitalisation
benefit
- Income tax relief of up to RM3,000.
Please contact us for further information.
Go to top
Signature LTC Rider
Signature LTC Rider is a non-participating whole life long term care rider which pays a monthly income benefit in the event the Insured is deemed unable to perform 3 or more of the defined "Activities of Daily Living" (ADLs) either as a result of illness, injury, advanced life or upon diagnosis of Advanced Dementia (a reduction of mental capacity).
This rider is specially designed to help pay for long term care when there is a need for special care at adult day care centers, nursing home facilities or even at home.
Please contact us for further information.
Go to top
Signature LTC Waiver Rider
Signature LTC Waiver Rider is a whole life long term care waiver rider. While this Rider is in force and after the Pre-Benefit Period of 90 days, it will waive the premium of the basic plan and any attaching Participating and Term riders if,
a) the Insured is deemed unable to perform three (3) or more ADLs, and as a result needs physical assistance of another person on every occasion, or
b) upon diagnosis of advanced dementia.
Please contact us for further information.
Go to top
Convertible Term Rider
- Provides life protection for a
stipulated number of years at affordable premium
rates.
- Beneficiary receives the face
amount upon the death of the insured.
- Medical standard policies are
convertible to a permanent plan without further
evidence of insurability.
- The 5 year Term rider is
renewable at the expiry of every 5 years.
Please contact us for further information.
Go to top
Convertible Term with Disability Rider
- Provides life protection for a
stipulated number of years at affordable premium
rates.
- Beneficiary receives the face
amount upon death of the insured.
- Disability coverage.
- Medical standard policies are
convertible to a permanent plan without further
evidence of insurability.
- The 5 year Term rider is
renewable at the expiry of every 5 years.
Please contact us for further information.
Go to top
Payor Benefit Rider
This rider
- Provides a waiver of premium
on the basic juvenile policy when the payor/policyowner
dies.
Please contact us for further information.
Go to top
Payor Protector Benefit Rider (A & B)
- Beneficiary will receive the
face amount on the death of the payor/policyowner
for both A and B riders.
- B riders also provide
disability coverage.
- Both riders can be attached
only to Juvenile policies.
Please contact us for further information.
Go to top
Family Income Benefit Rider
This rider
- Provides in the event the
policyowner dies, a monthly income of 1% of the
face amount of the rider from the 1st day of the
month following the date of death until the
expiry of the rider.
- Can only be attached to
juvenile policies.
Please contact us for further information.
Go to top
Compound Reversionary Bonus with Disability Rider
- These riders participate in
the profits of the company by way of compounded
reversionary bonuses.
- Premiums payable throughout
the term of the rider.
- Declared reversionary and
claim bonuses are payable on total and permanent
disability before the policy anniversary
preceding the 60th birthday.
- On death, the declared
reversionary and claim bonuses, if any, would be
payable.
- The declared reversionary and
maturity bonuses would be payable on maturity.
- The bonuses are not guaranteed.
Please contact us for further information.
Go to top
Comprehensive Medilife Rider (Enhanced Series)
- Pays 100% of its face amount
in one lump sum on diagnosis/occurrence of one of
the 32 covered events, provided it occurs at
least 90 days after the issue date or
reinstatement date, whichever is later, and the
insured survives at least 30 days after the date
of such diagnosis/occurrence.
- Among the 32 covered events
are :
Heart
Attack
Stroke
Coronary Artery Bypass Surgery
Terminal Illness
Kidney (Renal) Failure
Life Threatening Cancer |
Paralysis
Muscular Dystrophy
Benign Brain Tumour
Blindness
Chronic Liver Disease
And others |
- Death cover under the basic
plan will not be reduced by the amount of benefit
paid on this rider.
- Life coverage will continue
although this rider will terminate on occurrence
of the covered event.
Please contact us for further information.
Go to top
Enhanced Lady's Comprehensive MediLife Rider
- Designed especially for the
female applicant.
- Identical terms, conditions
and benefits to that of the Comprehensive Medilife Rider (Enhanced
Series) except that
an additional benefit equal to the benefit under
this rider (but not exceeding RM100,000) shall be
payable in one lump sum if the following Covered
Event occurs :
- Cervical Cancer
requiring total hysterectomy within 30
days of the date of diagnosis
- Breast Cancer
requiring total mastectomy within 30 days
of the date of diagnosis
Please contact us for further information.
Go to top
Signature Payor Plus Rider
- Can be attached to both
juvenile and non-juvenile basic plans.
- Provides a waiver of
premium on the
basic plan and any attached riders in the event
of death or total and permanent disability of the
payor/policyowner.
- Also provides a waiver of
premium should the payor/policyowner be diagnosed
with one of the following dread diseases:
Heart
failure
Stroke
Coronary artery bypass surgery
Life-threatening cancer
Blindness
Alzheimer's disease
Terminal illness |
Deafness
Major head trauma
Paralysis
Coma
Major burns
And others |
Please contact us for further information.
Go to top
Signature Waiver Plus Rider
Provides a waiver of premium of the basic plan and selected riders
should the insured be diagnosed with one of the following
dread diseases:
Heart failure
Stroke
Coronary artery bypass surgery
Life-threatening cancer
Blindness
Alzheimer's disease
Terminal illness |
Deafness
Major head trauma
Paralysis
Coma
Major burns
And others |
Please contact us for further information.
Go to top
Signature Mediterm Rider
- Medically standard policies
are convertible to a permanent plan without further evidence of
insurability.
- The face amount would be
payable on occurance of death, total and
permanent disability or one of the following
dread diseases:
Heart
failure
Stroke
Coronary artery bypass surgery
Life-threatening cancer
Blindness
Alzheimer's disease
Terminal illness |
Deafness
Major head trauma
Paralysis
Coma
Major burns
And others |
Go to top |